Early reporting and active involvement by the institution and UE are essential for successful claims resolution. For the most efficient service, please submit new claims to email@example.com. Please include any available documentation, such as:
- Incident Report
- Notice of legal action or demand letter
- Press/media reports
Questions about claims reporting? Simply call (800) 346-7877 and select option 3.
Early reporting and active involvement by the institution and UE aressential for successful claims resolution. An institution that fails to meet the reporting responsibilities outlined in its insurance policy risks denial of coverage or loss of full benefits. Reporting considerations vary with the type of policy.
UE provides coverage for hundreds of independent schools across the country. Our broad coverage minimizes gaps and responds to the needs of your school. Whether yours is a large or small educational community, day or boarding school, the liability risks are real, and you deserve the best protection and service available.
UE understands issues that are most important to independent schools and doesn’t shy away from the most critical coverage such as athletic injuries, lab safety, sexual molestation, and transportation. In fact, we directly address these issues through our comprehensive risk management resources including multimedia learning programs for employees, students, and volunteers on high-risk subjects, timely updates on high-profile legal issues such as concussions, as well as personalized advisory services.
Up to $40 million in limits is available with educators legal liability (ELL) policy and up to $40 million with our general liability (GL) umbrella or excess coverage. The combination of ELL and GL gives independent schools the resources needed to protect finances, endowments, and reputations.
GL policies include coverage for:
ELL policies include coverage for:
Individuals involved with managing trustee, medical, disability, life, retirement, pension, and other employee benefit plans are faced with ever-increasing scrutiny and compliance requirements due to ERISA and similar regulations. And, institutions that administer the plans are at risk for claims including:
Learn more about fiduciary liability coverage.
Our GL and ELL policies can include trustees, officers, employees, teachers and faculty, volunteers, committee members, and students who are in supervised internship programs or are performing services for and on behalf of the educational organization as insureds.
True worldwide coverage means that lawsuits do not have to be brought in U.S. courts. UE has defended against overseas negligence suits brought by foreign nationals. As independent schools increase their foreign travel, our worldwide protection provides peace of mind.
Contrary to GL and ELL policies from other carriers, UE includes Internet-related liability that applies to a personal and advertising injury as well as intellectual property violations.
UE's supplemental crisis response program, ProResponse, helps institutions respond to unusual circumstances requiring a rational approach to legal matters, professional public relations counsel and a thoughtful appreciation for the emotional trauma of the situation. ProResponse is available to members who carry UE's Educators Legal Liability (ELL) and any form of GL coverage such as CGL, GLX, GLU, or BLX. Learn more.
Many incidents result in allegations that trigger claims in both a GL and ELL policy, known as hybrid claims. Policies with separate insurance carriers often result in coverage disputes as to which policy and carrier should respond to the claim, leaving the policyholder in the middle. When UE writes both the primary GL and ELL coverage, we add our unique endorsements which provide broader, coordinated coverage. Read more about UE's Seamless Coverage.
Trends in the worlds of business and education mean that educational institutions are operating in a new legal climate. Greater scrutiny of board affairs has resulted in increased litigation and legal exposure for board members as individuals. Our educators legal liability (ELL) policy includes Trustees and Officers Liability Coverage, also known as Directors and Officers coverage, or D&O, and was created with these risks in mind. Trustees and Officers Coverage can also be written as a stand-alone policy. Learn more.
For brokers and schools which purchase liability insurance as part of a package, explore options with our sister company, Education Insurance Services.
We invite you to review a selection of our risk management resources created specifically for independent schools.
Download the following materials to help evaluate the advantage of UE coverage.
ProResponse Overview Seamless Coverage Overview Five Reasons to Choose United Educators
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